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CERTIFICATION <br />We certify that, to the best of our knowledge and belief: <br />— The statements of fact contained in this report are true and correct. <br />-- The reported analyses, opinions, and conclusions are limited only by the reported assumptions <br />and limiting conditions, and are our personal, impartial, and unbiased professional analyses, <br />opinions, and conclusions. <br />— We have no present or prospective interest in the property that is the subject of this report and <br />we have no personal interest or bias with respect to the parties involved. <br />— We have no bias with respect to the property that is the subject of this report or to the parties <br />involved with this assignment. <br />— Our engagement in this assignment, was not contingent upon developing or reporting <br />predetermined results. <br />— Our compensation for completing this assignment is not contingent upon the development or <br />reporting of a predetermined value or direction in value that favors the cause of the client, the <br />amount of the opinion, the attainment of a stipulated result, or the occurrence of a subsequent <br />event directly related to the intended use of this appraisal. <br />— The appraisal assignment was not based on a requested minimum valuation, a specific valuation, <br />or predicated in any way on the approval of the loan. <br />— The reported analyses, opinions, and conclusions were developed, and this report has been <br />prepared, in conformity with the requirements of the Code of Professional Ethics and the <br />Standards of Professional Practice of the Appraisal Institute. <br />— The use of this report is subject to the requirements of the Appraisal Institute relating to review <br />by its duly authorized representatives. <br />— As of the date of this report, W. P. Murphy has completed the continuing education program <br />for Designated Members of the Appraisal Institute. <br />— As of the date of this report, Kristen Lewis, has completed the Standard and Ethics Education <br />Requirements for Practicing Affiliates of the Appraisal Institute. <br />— The reported analyses, opinions, and conclusions were developed, and this report has been <br />prepared, in conformity with the Uniform Standards of Professional Appraisal Practice and the <br />requirements of the Code of Ethics of. the American Society of Farm Managers and Rural <br />Appraisers. <br />PAT MURPHY & ASSOCIATES 19 <br />